Reno, NV · Cert 35157 · FB Bcorp
State savings bank · OCC · 2 branches
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.5% share · #12 of 66 inst. · $0.9B of $175.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -0.20% | 0.34% | 0.03% | 0.29% | -0.46% | -0.03% | 0.80% | +77 bps | |
| Return on Equity | -2.72% | -2.36% | 3.86% | 0.29% | 3.10% | -4.85% | -0.37% | 8.36% | +807 bps | |
| Net Interest Margin | 3.70% | 3.54% | 3.56% | 3.86% | 3.89% | 3.85% | 3.76% | 3.78% | -9 bps | |
| Efficiency Ratio | 80.81% | 89.16% | 91.11% | 86.39% | 84.28% | 92.55% | 85.84% | 76.21% | -1,018 bps | |
| Non-Interest Burden | 2.90% | 3.11% | 3.21% | 3.26% | 3.19% | 3.53% | 3.14% | 2.61% | -65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.85% | 2.26% | -8.13% | -9.03% | -9.13% | -8.15% | -3.24% | -3.58% | +546 bps | |
| Loan Growth (YoY) | -9.86% | -7.43% | -7.49% | -3.12% | -3.19% | -4.29% | -6.15% | -9.82% | -670 bps | |
| Deposit Growth (YoY) | 2.83% | 2.85% | -9.50% | -10.22% | -10.55% | -9.57% | -3.54% | -4.51% | +571 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.52% | 0.45% | 0.57% | 0.57% | 0.69% | 0.69% | 0.79% | +21 bps | |
| Net Charge-Offs / Loans | 1.19% | 1.16% | 1.10% | 0.71% | 0.85% | 1.59% | 1.30% | 0.87% | +17 bps | |
| Allowance / Loans | 1.98% | 1.92% | 1.65% | 1.69% | 1.64% | 1.53% | 1.52% | 1.44% | -25 bps | |
| Allowance Coverage of NPLs | 3.9x | 3.7x | 3.7x | 2.9x | 2.9x | 2.2x | 2.2x | 1.8x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.11% | 9.06% | 9.40% | 9.74% | 9.92% | 9.82% | 9.74% | 10.09% | +35 bps | |
| Total Risk-Based Capital | 13.79% | 13.43% | 13.63% | 13.57% | 13.73% | 13.56% | 13.92% | 14.65% | +108 bps | |
| Equity / Assets | 8.55% | 8.31% | 9.13% | 9.15% | 9.47% | 9.42% | 9.41% | 9.72% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.05% | 78.45% | 82.88% | 83.48% | 82.31% | 83.02% | 80.64% | 78.85% | -464 bps | |
| Liquid Assets / Assets | 18.38% | 15.87% | 10.84% | 9.20% | 10.69% | 9.60% | 11.44% | 12.84% | +364 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.17% | 140.01% | 150.84% | n/a | n/a | |